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Author Have you ever got finance on a car?
Jamescorsa97
Member

Registered: 19th Aug 04
Location: Middlesbrough Drives: Cliosport 182
User status: Offline
4th Dec 07 at 17:02   View User's Profile U2U Member Reply With Quote

Bearing in mind i have no debt atm.

I am thinking about getting a new car.

The finance owed on it wouold be about 9 thousand. I will be keeping the car for 4 years.

What experiences have you had with finance?
Ben G
Member

Registered: 12th Jan 07
Location: Essex
User status: Offline
4th Dec 07 at 17:05   View User's Profile U2U Member Reply With Quote

i'm on finance now. owe 11,200 over 3 years.

only pay 210 a month, very easy payments
Colin
Member

Registered: 4th Apr 02
Location: Drives a hire car
User status: Offline
4th Dec 07 at 17:07   View User's Profile U2U Member Reply With Quote

Yes I was 19, seemed a great idea at the time, payments were 240 a month, 60 of that was interest.

Insurance was 1800 aswell

What a mug
FruitBooTeR
Member

Registered: 18th Jan 07
Location: Wolverhampton Drives: S15
User status: Offline
4th Dec 07 at 17:08   View User's Profile U2U Member Reply With Quote

Was thinking about this for a type r but then realised there not worth it
Ben G
Member

Registered: 12th Jan 07
Location: Essex
User status: Offline
4th Dec 07 at 17:09   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Colin
Yes I was 19, seemed a great idea at the time, payments were 240 a month, 60 of that was interest.

Insurance was 1800 aswell

What a mug


i'm not a mug
Jamescorsa97
Member

Registered: 19th Aug 04
Location: Middlesbrough Drives: Cliosport 182
User status: Offline
4th Dec 07 at 17:10   View User's Profile U2U Member Reply With Quote

Well mine won't be a brand new car and I can easily afford it. Just wondering if anyone has had any bad experiences with it.
Baskey
Member

Registered: 31st May 06
User status: Offline
4th Dec 07 at 17:10   View User's Profile U2U Member Reply With Quote

best thing i did, got to boot about in gsi's at 18 etc. Now im old (well 24)and buying a house so i cant have any finance really. If thers a car you want do it before things like houses, birds and babies get in the way.
Colin
Member

Registered: 4th Apr 02
Location: Drives a hire car
User status: Offline
4th Dec 07 at 17:10   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Ben G
quote:
Originally posted by Colin
Yes I was 19, seemed a great idea at the time, payments were 240 a month, 60 of that was interest.

Insurance was 1800 aswell

What a mug


i'm not a mug


Where did I mention you were
Nick-S
Member

Registered: 3rd Mar 04
Location: Leigh. Drives: RS Megane 230 F1 Team R26
User status: Offline
4th Dec 07 at 17:11   View User's Profile U2U Member Reply With Quote

i got finace for both my cars then got a lone at a cheper apr and payed the finace off
Ben G
Member

Registered: 12th Jan 07
Location: Essex
User status: Offline
4th Dec 07 at 17:11   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Colin
quote:
Originally posted by Ben G
quote:
Originally posted by Colin
Yes I was 19, seemed a great idea at the time, payments were 240 a month, 60 of that was interest.

Insurance was 1800 aswell

What a mug


i'm not a mug


Where did I mention you were


you didn't, just the fact i'm 19, my insurance is high and about same monthly payments - 30
FruitBooTeR
Member

Registered: 18th Jan 07
Location: Wolverhampton Drives: S15
User status: Offline
4th Dec 07 at 17:12   View User's Profile U2U Member Reply With Quote

The only bad thing i can think of would be -

If youve baught a car and paid for it and you have money troubles then you can cut down on things like petrol etc and save money,

But with finance i would of thought ud have to come up with the payments every month not sure how it works someone will know.
aron
Member

Registered: 10th May 07
Location: Ware, Hertfordshire
User status: Offline
4th Dec 07 at 17:13   View User's Profile U2U Member Reply With Quote

my mates got a focus on finance.

i wouldn't touch it with a barge pole personally...

you're paying more for something than you need to just because you can't afford to buy it properly in the first place.
Ben G
Member

Registered: 12th Jan 07
Location: Essex
User status: Offline
4th Dec 07 at 17:13   View User's Profile U2U Member Reply With Quote

direct debit out of your account fruitbooter. just like paying for a phone bill every month.
Colin
Member

Registered: 4th Apr 02
Location: Drives a hire car
User status: Offline
4th Dec 07 at 17:14   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Ben G
quote:
Originally posted by Colin
quote:
Originally posted by Ben G
quote:
Originally posted by Colin
Yes I was 19, seemed a great idea at the time, payments were 240 a month, 60 of that was interest.

Insurance was 1800 aswell

What a mug


i'm not a mug


Where did I mention you were


you didn't, just the fact i'm 19, my insurance is high and about same monthly payments - 30


Ah, well I feel a bit silly paying that much now. That in mind if you can afford to then why not its only money afterall
FruitBooTeR
Member

Registered: 18th Jan 07
Location: Wolverhampton Drives: S15
User status: Offline
4th Dec 07 at 17:14   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Ben G
direct debit out of your account fruitbooter. just like paying for a phone bill every month.


So if your low on funds your pretty screwd? and go in to debt
Baskey
Member

Registered: 31st May 06
User status: Offline
4th Dec 07 at 17:14   View User's Profile U2U Member Reply With Quote

you can always sell the car and pay off the loan/finance if you get into difficulty.

Took out a 7k loan couple of years ago for my 172. Now i owe about 3.5k with a car worth 5k.
Ben G
Member

Registered: 12th Jan 07
Location: Essex
User status: Offline
4th Dec 07 at 17:14   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by aron85
my mates got a focus on finance.

i wouldn't touch it with a barge pole personally...

you're paying more for something than you need to just because you can't afford to buy it properly in the first place.


i can afford to buy my fiesta, i just didn't have that sum of money at the time. also had no car and had only just started at ford's so i was buggered basically

i'm in no hassle at all, all i know is i have to work 1 week a month to pay my car finance and insurance then the other 3 weeks is my own money.
Nic Barnes
Member

Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
4th Dec 07 at 17:16   View User's Profile U2U Member Reply With Quote

atleast.you.dont.have.to.pay.insureance.until.you.,crash.as.you.said.elsewhere.so.tj=hat.must.save.you.a.fortune
Colin
Member

Registered: 4th Apr 02
Location: Drives a hire car
User status: Offline
4th Dec 07 at 17:16   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by FruitBooTeR
quote:
Originally posted by Ben G
direct debit out of your account fruitbooter. just like paying for a phone bill every month.


So if your low on funds your pretty screwd? and go in to debt


No you default & they turn up in the middle of the night & take your car away.
MikeE
Member

Registered: 7th Mar 03
Location: Milton Keynes
User status: Offline
4th Dec 07 at 17:17   View User's Profile U2U Member Reply With Quote

low apr loans are the way if you have to borrow the moneys
Ben G
Member

Registered: 12th Jan 07
Location: Essex
User status: Offline
4th Dec 07 at 17:17   View User's Profile U2U Member Reply With Quote

i pay 2433 insurance right now muppet, and it's all legitimate ... stop baiting.
Nic Barnes
Member

Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
4th Dec 07 at 17:18   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Ben G
i pay 2433 insurance right now muppet, and it's all legitimate ... stop baiting.


im not.
Ben G
Member

Registered: 12th Jan 07
Location: Essex
User status: Offline
4th Dec 07 at 17:18   View User's Profile U2U Member Reply With Quote

ok
FruitBooTeR
Member

Registered: 18th Jan 07
Location: Wolverhampton Drives: S15
User status: Offline
4th Dec 07 at 17:19   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by muppetsport
quote:
Originally posted by Ben G
i pay 2433 insurance right now muppet, and it's all legitimate ... stop baiting.


im not.


You fixed your space bar then
Colin
Member

Registered: 4th Apr 02
Location: Drives a hire car
User status: Offline
4th Dec 07 at 17:19   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by MikeE
low apr loans are the way if you have to borrow the moneys


Banks can often lend on 6-7%, more if your a good customer.

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